<?xml version="1.0" encoding="utf-8"?>
<xsd:schema xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:ifrs-full="http://xbrl.ifrs.org/taxonomy/2021-03-24/ifrs-full" xmlns:gen="http://xbrl.org/2008/generic" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:esef_cor="http://www.esma.europa.eu/taxonomy/2021-03-24/esef_cor" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:lei="http://www.xbrl.org/taxonomy/int/lei/2018-11-01" xmlns:ZSE="https://www.zse.hr/" elementFormDefault="unqualified" targetNamespace="https://www.zse.hr/" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
  <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
  <xsd:import schemaLocation="http://www.esma.europa.eu/taxonomy/2021-03-24/esef_cor.xsd" namespace="http://www.esma.europa.eu/taxonomy/2021-03-24/esef_cor" />
  <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
  <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
  <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="ZSEgrupa-2022-12-31_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" />
      <link:linkbaseRef xlink:type="simple" xlink:href="ZSEgrupa-2022-12-31_def.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" />
      <link:linkbaseRef xlink:type="simple" xlink:href="ZSEgrupa-2022-12-31_cal.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" />
      <link:linkbaseRef xlink:type="simple" xlink:href="ZSEgrupa-2022-12-31_lab-hr.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://www.esma.europa.eu/taxonomy/2021-03-24/esef_cor-gen-hr.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/LinkbaseRef" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://www.esma.europa.eu/taxonomy/2021-03-24/esef_cor-lab-hr.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" />
      <link:roleType roleURI="https://www.zse.hr/role/SVEOBUHVATNADOBIT" id="SVEOBUHVATNADOBIT">
        <link:definition>SVEOBUHVATNA DOBIT</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="https://www.zse.hr/role/BILANCA" id="BILANCA">
        <link:definition>BILANCA</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="https://www.zse.hr/role/PROMJENEKAPITALA" id="PROMJENEKAPITALA">
        <link:definition>PROMJENE KAPITALA</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="https://www.zse.hr/role/NOVCANITOKOVI" id="NOVCANITOKOVI">
        <link:definition>NOVČANI TOKOVI</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="https://www.zse.hr/role/Esef_role-000000_reported" id="Esef_role-000000_reported">
        <link:definition>esef_role-000000_reported</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="https://www.zse.hr/role/Anchoring" id="Anchoring">
        <link:definition>Anchoring</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element id="ZSE_OstvareniDobitakOdProdajeFinancijskeImovine" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" name="OstvareniDobitakOdProdajeFinancijskeImovine" substitutionGroup="xbrli:item" />
  <xsd:element id="ZSE_Zaokruzenje" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" name="Zaokruzenje" substitutionGroup="xbrli:item" />
</xsd:schema>